Bank of India Q2 FY27 Earnings Call Transcript Released
Bank of India released its Q2 FY27 earnings call transcript. Global business grew 21.13% YoY to ₹18.92 lakh crore. Net profit rose 25.32% YoY to ₹3,202 crore. Operating profit increased 33.18% YoY to ₹5,089 crore. Gross NPA improved to 1.60%. FY27 guidance: global advances 15-16%, deposits 16-17%. ROA target: above 1%.
The announcement provides a detailed update on the company's financial performance and future outlook, including key growth figures, profitability, asset quality, and strategic guidance. This level of detail is material for investors and analysts in assessing the company's current standing and future prospects.
The company reported strong year-on-year growth in key financial metrics such as business, deposits, advances, operating profit, and net profit. Asset quality also showed improvement. The management provided positive guidance for the full fiscal year and discussed initiatives aimed at future growth and risk management.
Bank of India has released the transcript of its post-results earnings call for the unaudited (reviewed) financial results for the second quarter and half-year ended September 30, 2026. The transcript is available on the bank's website.
The earnings call, held on October 23, 2026, featured management including MD & CEO Shri Rajneesh Karnatak, and Executive Directors Shri P.R. Rajagopal, Shri Subrat Kumar, Shri Rajiv Mishra, and Shri Pramod Kumar Dwivedi. They discussed the bank's performance, institutional initiatives, business growth, and profitability.
Key business highlights for Q2 FY27 include a 21.13% YoY increase in global business to ₹18.92 lakh crore, with global deposits growing by 21.59% YoY to ₹10.37 lakh crore and global gross advances increasing by 20.58% YoY to ₹8.55 lakh crore. Profitability also saw significant improvement, with operating profit up 33.18% YoY to ₹5,089 crore and net profit up 25.32% YoY to ₹3,202 crore. The bank's Gross NPA ratio improved to 1.60% and Net NPA ratio to 0.42% as of September 30, 2026.
Management provided guidance for FY27, expecting global advances to grow by 15-16% and global deposits by 16-17%. The bank aims for a Return on Assets (ROA) of above 1% consistently. Discussions also covered initiatives like Star Radar for risk identification, a dedicated Gold Loan Cell, Yuva Banking Mitra, and OCR-based CTS validation for fraud prevention. The bank is also preparing for ECL provisioning starting Q3 FY27, with an estimated impact of around 0.5% on CRAR annually over the next four years, which is expected to be managed through profitability.
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